How to Get an EIN for PayPal as a Non-US Founder: The Fastest Method

EIN for PayPal as a Non-US Founders is the single most important step to unlocking global payment gateways like PayPal and Stripe.

If you are a non-US founder running an e-commerce store, a freelance business, or a SaaS company, you already know that accessing US-based payment gateways is essential for global success. Among the most trusted payment processors in the world is PayPal US.

However, to create a US business PayPal account (and other premium gateways like Stripe), you cannot just use your home country’s details. You need a legally formed US business entity and, most importantly, an Employer Identification Number (EIN).ein.com

Getting an EIN fro non-US founder from IRS can feel like a bureaucratic nightmare. Wait times can be long, and the process is entirely different than it is for US citizens. In this comprehensive guide  Bizstartz.com we will break down exactly how to get your EIN for PayPal as fast as possible, without needing a Social Security Number (SSN) or even stepping foot in the United States.

1. What is an EIN and Why Does PayPal Require It?

An Employer Identification Number (EIN) is a unique nine-digit number assigned by the Internal Revenue Service (IRS) to identify a business entity operating in the United States. Think of it as a Social Security Number, but for your business.

If you are trying to open a US-based PayPal Business account, PayPal is legally required by US banking and anti-money laundering (AML) laws to verify your business’s identity.

Here is why having an EIN is non-negotiable:

  • Payment Processing: PayPal and Stripe use your EIN to verify your company’s legal existence with the IRS.

  • Tax Compliance: Even if your LLC owes no US taxes, payment processors must report processing volumes to the IRS using your EIN.

  • US Business Banking: You cannot open a US business bank account (like Mercury or Wise Business) to receive your PayPal payouts without an EIN.

2. The Roadblock: Why Non-US Founders Can’t Apply Online

If you search Google for “How to get an EIN,” the first result will likely be the IRS online portal. The IRS website boasts that you can get an EIN in just 15 minutes online.

However, there is a massive catch for non-residents.

To use the IRS online application portal, the principal officer (you) must have a valid Taxpayer Identification Number, specifically, an SSN (Social Security Number) or an ITIN (Individual Taxpayer Identification Number). Since most international founders do not have an SSN or ITIN, the online portal will immediately reject your application.

Because of this, international founders must apply manually to secure an EIN for PayPal as a non US founder.

 

3. The Fastest Methods to Get an EIN as a Non-Resident

Without access to the online portal, securing an EIN for PayPal as a non-US founders leaves you with  three main options to apply for an EIN using IRS Form SS-4. As discussed on platforms like Quora and verified by IRS documentation, here is how the methods stack up:

  • The Mail Method (Slowest): You fill out Form SS-4 and mail it physically to the IRS office. This can take anywhere from 4 to 8 weeks (or longer) for the IRS to process and mail back your EIN letter.

  • The Fax Method (Standard): You complete Form SS-4 and fax it to the dedicated IRS fax number for international applicants. If you provide a return fax number, the IRS will fax your EIN back. This typically takes 1 to 3 weeks, depending on the IRS backlog.

  • The Phone Method (The Fastest, But Trickiest): The IRS maintains a dedicated phone line for international applicants. Technically, you or your designated agent can call the IRS, answer the questions on Form SS-4 over the phone, and receive your EIN immediately.

A Warning About the Phone Method:

As many frustrated founders on Quora and Reddit have noted, the IRS phone lines are notoriously difficult to navigate. You may face hold times of 2+ hours, dropped calls, or be told by agents that the “system is down.” Because of this, utilizing a professional third-party service to navigate the IRS on your behalf is highly recommended.

4. Step-by-Step: Preparing Your IRS Form SS-4

Whether you are faxing or hiring a professional to call the IRS, the foundation of getting an EIN is correctly filling out Form SS-4 (Application for Employer Identification Number).

If you make a single error on this form, the IRS will reject it, delaying your PayPal access by weeks. Here are the crucial steps:

    • Line 1 (Legal Name): Enter the exact name of your US LLC as it appears on your state-approved Articles of Organization.

    • Line 4a-4b (Mailing Address): This should be your US business physical address (Bizstartz provides premium US addresses for our clients).

    • Line 7a-7b (Responsible Party): Enter your full name. Because you don’t have an SSN, you must physically write the word “FOREIGN” in section 7b.

    • Line 8a (Type of Entity): For a standard single-member LLC, you will select “Other” and write “Foreign-owned Single-Member LLC.”

    • Third-Party Designee Section: This is the most important part if you want someone else to handle the IRS for you. By filling this out, you authorize an agency (like Bizstartz) to receive the EIN on your behalf.

    • Signature: Ensure you physically sign the document (e-signatures are often rejected if not formatted correctly).

 

5. How Bizstartz Can Fast-Track Your EIN and Stripe Setup

Navigating the IRS, dealing with international faxes, and figuring out US tax forms is a massive headache. If you want to bypass the stress and get your US PayPal or Stripe account up and running as fast as possible,Bizstartz.com  your ultimate solution.

At Bizstartz, we don’t just form your LLC, we build your complete global payment infrastructure.

Here is how Bizstartz helps you form your Stripe and PayPal accounts flawlessly:

    • Expedited EIN Processing: We act as your Third-Party Designee. Our team meticulously prepares your Form SS-4 and interfaces directly with the IRS to secure your EIN as quickly as legally possible.

 

  • US LLC Formation: We set up your LLC in business-friendly states like Wyoming or Delaware, perfectly structured for payment gateway approval.

  • Compliance-Ready US Address: We provide a premium US business address (not a P.O. Box), which is a strict requirement to pass Stripe and PayPal verification.

  • Guaranteed Gateway Support: We guide you step-by-step through setting up your US business bank account and integrating it with Stripe and PayPal, ensuring you don’t trigger any AML flags or account suspensions.

With Bizstartz, you don’t have to guess what the IRS or Stripe wants. We handle the bureaucracy so you can focus on making sales.

Conclusion

Securing an EIN for PayPal as a non US founder is the critical key that unlocks US PayPal, Stripe, and global business banking for international founders. While you cannot apply online, correctly utilizing Form SS-4 via fax or phone ensures you get your business tax ID legally and securely.

Don’t let IRS hold times and confusing tax forms delay your business launch. If you are ready to get your EIN fast and start accepting payments from customers worldwide, visit Bizstartz.com today. Let our experts fast-track your global success!

FAQs

1. Can I use PayPal US without an EIN if I am not a US citizen?

No. To open a US business PayPal account, you must provide an EIN to prove your business is legally registered in the United States.

2. How long does it take to get an EIN as a non-resident?

If you apply via fax, it typically takes 1 to 3 weeks. If you mail it, it can take up to 8 weeks. Using a professional service to act as your Third-Party Designee can help ensure the application is flawless, preventing months of delays due to IRS rejections.

3. Do I need an ITIN or SSN to get an EIN?

No. Non-US residents can legally obtain an EIN without an SSN or ITIN. You simply must declare your status as “FOREIGN” on IRS Form SS-4.

4. Can I use my EIN to open a Stripe account as well?

Yes! The same EIN you use for PayPal is exactly what you need to open a US Stripe account, a Shopify Payments account, and a US business bank account.

5. Why was my EIN application rejected?

The most common reasons for rejection include filling out the form incorrectly, spelling the LLC name differently than what is on the state documents, or failing to provide a proper physical signature. Using an agency like Bizstartz guarantees your application is submitted correctly the first time.

What is a 147c Letter? Why Do You Need One?

When it comes to operating a business within the United States, one of the more underrated forms of documentation is the IRS 147c Letter which, just like any other business document, has its own specific purpose.

If you have, at any point, tried validating your Employer Identification Number (EIN) or required asserting your business identity to a financial institution, government agency, or even a vendor, the 147c Letter serves as an invaluable asset.

This guide will explain everything there is to know about the 147c Letter, detailing why it is important, what other people might request it, the processes involved in obtaining one, and the role of Bizstartz in helping you get it seamlessly.

What is a 147c letter?

This is a document that serves as proof confirming the association of an entity with an Employee Identification Number (EIN) issued by the Internal Revenue Service (IRS).

In simpler terms, the IRS 147c Letter is an official document issued by the IRS confirming the association of a business name and EIN for a company. It acts as an EIN verification letter when the original CP 575 EIN confirmation letter is misplaced.

Upon applying for an EIN, the IRS confirms your application by sending a CP575 notice, however this letter can be easily misfiled or lost, especially if you move houses, forgot to update files or delete files digitally. In those scenarios, the 147c Letter helps fill in the gaps.

The letter cannot be obtained online and needs to be requested from the IRS directly. It proves your EIN number and is in most instances accepted by banks and partnering businesses as sufficient identification of your entity’s legal existence.

What Information is on a 147c Letter?

A 147c Letter contains the basic identification details of your business extracted from the IRS records. Following is what the letter typically entails:

Business Legal Name: As filed with the IRS during the EIN issuance application.

Employer Identification Number (EIN): Your unique federal tax identification number consisting of 9 digits.

Business Address: Address registered with the IRS concerning your entity.

Entity Type: Whether your business is LLC, C Corporation, S Corporation, Partnership etc.

Date the EIN Was Assigned: Helpful in verifying applicable history for your business.

IRS Contact Information: Containing the IRS section and office telephone number in the instance additional confirmation is required.

When dealing with organizations and businesses that require government-issued documents and trustworthy identification, this document provides an undeniable assurance as well as an official confirmation of your EIN.

Who Would Request a 147c Letter?

Before providing services or approving applications, numerous agencies require formal verification of your EIN as a form of identification. Following are some examples of entities that are likely to request your 147c Letter:

1. Banks and Financial Institutions

While opening a business bank account with a corporation or applying for a loan, banks especially request for Proof of EIN. In case you have lost your CP 575, the 147c Letter can acts as a substitute.

2. Government Agencies

Local and state licensing departments often verify the EIN for registration purposes while issuing business permits, licenses or sales tax registrations. These departments frequently need to verify that your business is registered with the federal government.

3. Vendors and Suppliers

Particularly larger suppliers such as those providing credit or extended terms may use these to check if your business is registered with the IRS. They often seek to confirm that your business is legitimate and formally registered before any contracts are signed.

4. Payroll and HR Services

Tax reporting under the correct business entity is a requirement when onboarding employees, thus it is common for payroll providers to verify EIN prior to filing taxes.

5. Credit Agencies and Lendors

Lines of credit, business credit cards, and financing partners wish to see confirmed documentation of your EIN to validate your business identity and mitigate identity theft.

In all these matters, the 147c Letter serves as a confirmation of your business identity and registration with the IRS for a federal tax number.

Why is a 147c Letter Important?

What is 147c letter

The 147c Letter is much more than a mere formality. The letter is crucial in providing seamless functioning, while reducing bureaucracy in administrative processes.

Here are a few reasons why the 147c letter is important:

✅ Official EIN Verification

The only document issued by the IRS which can replace the CP 575 EIN confirmation letter is the 147c Letter. The letter serves as proof of an EIN and its validation comes from the IRS itself.

✅ Required for Business Operations

Bank account openings and licenses applications are governed by EIN verification. Without a 147c Letter or CP575, one may encounter several obstacles in various aspects of business operation or setup.

✅ Avoiding Delays and Rejections

Insufficient compliance in EIN verification is a common reason why banks, creditors, and even some government institutions may reject applications or delay processing. The possession of a 147c Letter means that you can readily meet such requests without frustrating delays.

✅ Peace of Mind and Compliance

In addition to helping with practical matters, the 147c Letter protects your business as it operates in compliance and in a manner that is credible with institutions that need to matter.

How To Request A 147c Letter From The IRS: Step by Step Guide

Acquiring a 147c Letter for the purpose of verifying your EIN is a very easy process as long as you follow the guidelines. To make the request as easy and streamlined as possible, make sure to follow the guide listed below:

Step 1: Prepare Required Information

Make sure that the essential information is in your possession to make the call to IRS. The details that you will need include:

  • The business’s legal name (as registered with the IRS)
  • Employer Identification Number (EIN)
  • The address the IRS has on record for the business
  • An explanation as to why the information is needed, example: confirmation of the EIN, bank requirements, etc.

Being armed with this information ensures that you will not face delays in the review process.

Step 2: Contact the IRS Business & Specialty Tax Line

To obtain your 147c Letter, you must contact the IRS directly at:

  • Phone: 1-800-829-4933
  • Hours: Monday–Friday, 7:00 AM – 7:00 PM (local time)

To request a 147c Letter, this is the only method that the IRS offers. Online and email requests are not accepted.

Step 3: Confirm Your Identity and Authorization

IRS representatives require you to verify your identity and your authority to act for the business, so once the line is connected, you will have to answer questions regarding.

Prepare the following:

  • State your full name and position in the business (owner, partner, officer, etc.)
  • Provide your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • Provide any extra verification information that the IRS may ask for.

Only those listed as an authorized contact on the IRS record can request for this letter.

Step 4: Request the 147c Letter

After confirming your identity, inform the representative that you intend to request a 147c Letter confirming your EIN. At that point, you will be asked about your preferred method of receiving the letter.

  • By Fax (Fastest Option): If you value speed, ask the letter to be sent via fax. Just ensure you provide a secure fax number.
  • By Mail: In situations where a fax machine is not readily available, the IRS can send the letter through the postal service to the address on file.
  • Note: This method in receiving the letter may take anywhere from several days to a few weeks, depending on postal delivery times.

Step 5: Confirm and Safeguard the Letter

  • Review the document thoroughly to ensure there were no mistakes with the business name, address, and EIN number.
  • Store the letter safely in case it is needed for business bank accounts, licenses, or other official documents.

If any discrepancies are identified, reach out to the IRS immediately to update the record.

What is the Process of Receiving a 147C Letter from the IRS?

After going through identity verification steps with the IRS, the requested letter will be sent through one of the following ways:

📠 Fax

In case you have access to a fax machine, the 147c Letter can be sent to you immediately after the phone call. This is the fastest way of receiving the document, which can come through within minutes.

📬 Mail

If a fax isn’t available, the IRS will be able to mail the letter to the business address in their records. This option takes 7 – 14 business days depending on your location and USPS delivery timelines.

Tip: It is extremely important to keep your IRS records current. If your address has changed and is not reflected in the IRS records, the letter is likely to be sent to the wrong location.

How Can Bizstartz Assist in Filing a 147C Letter

We at Bizstartz take pride in supporting business owners across the globe in registering and managing businesses in the US. Regardless of whether you are new in becoming a business founder or a seasoned business owner, dealing with the IRS is always complex, more so for overseas citizens.

This is precisely why we are here.

This is how Bizstartz will assist you with your 147c Letter:

✅ Interaction with IRS: We make the call to the IRS for you (with your permission), so you do not have to sit on hold or pass through screens of menus.

✅ Fast Deliveries: We guarantee fast delivery either by fax or mail of the 147c Letter.

✅ Bilingual Support Worldwide: We help foreign non-residents and foreign entrepreneurs cope with IRS paperwork in a timely and hassle-free manner.

✅ Other Services: If you require more than just a 147c Letter, we also provide EIN registration, ITINs, BOI filings, bookkeeping, provide registered agent services and set up US bank accounts – all in one place.

Reducing the frustration associated with compliance is our number one goal so you can concentrate on what is important, expanding your company.

Get Your 147c Letter with Minimal Effort

If you need quick verification to keep your business operations running smoothly, or have misplaced your EIN letter, don’t hassle with the IRS’s long wait times. With Bizstartz, you get the value of having the entire process handled with expert oversight, all while being guided securely and efficiently through every stage of the procedure.

👉 Reach out to us today for more information on requesting your 147c letter and to find out about other services related to business compliance in the United States.

Commonly Asked Questions

Is it possible for me to place an order for a 147c Letter on the internet?

No. There is no online option provided for requesting a 147c Letter and it must be done over the telephone with the IRS Business & Specialty Tax Line.

How long does it take to receive the letter?

If the letter is sent by fax, you’ll have it in your hand immediately after the call. If you are mailed, it may take between 7 – 14 working days for you to receive it based on your geographical location and the postal service.

What’s the difference between the CP 575 and the 147c Letter?

The CP 575 letter is the original EIN confirmation letter that is issued when you apply for an EIN. The 147c letter is a reissued confirmation but serves as a valid substitute when CP 575 is lost.

Can I have someone else call the IRS for me?

The request can only be made by someone who is listed as an authorized person in the IRS records (like a business owner or an officer). As for now, Bizstartz is able to help you with this as long as you give them the right instructions through IRS Form 2848 or 8821.

Will banks accept a 147c Letter to open an account?

Yes. A 147c Letter is most accepted by banks in the US as proof of EIN Quote when opening a business account especially where CP 575 is unavailable.

What is an EIN Number? Why Do You Need an EIN Number?

An EIN (Employer Identification Number) is a free 9-digit federal tax ID issued by the IRS in the format XX-XXXXXXX. For a non-resident-owned US LLC, it is a hard operational requirement, not a formality.

Without an EIN, you cannot open a US bank account, activate Stripe payment processing, or file required IRS returns. These gates do not open without it.

Here is the critical constraint competitors ignore: the IRS online EIN application requires an SSN (Social Security Number) or ITIN (Individual Taxpayer Identification Number). Non-residents without either cannot use it.

According to the IRS, non-residents must apply via Form SS-4 — the paper application submitted by fax, mail, or the IRS international phone line. Everything you need to understand about the EIN process is covered on the EIN page.

This page explains what an EIN is, why it is non-negotiable, how non-residents obtain one, and what to expect by country.

What Is an EIN? Definition, Format, and Key Documents

What is an EIN

EIN Definition Block

An EIN (Employer Identification Number) is a 9-digit federal tax ID issued by the IRS to identify a business entity for tax purposes. The format is always XX-XXXXXXX — a hyphen after the second digit. IRC §6109 (Internal Revenue Code Section 6109) is the statutory basis requiring taxpayer identification numbers on tax filings.

The IRS issues EINs completely free of charge. According to IRS Publication 1635 (‘Understanding Your EIN’), any fee you pay to a formation service covers Form SS-4 preparation labor, not the EIN itself.

After the IRS assigns your EIN, it is valid immediately. The CP 575  a paper confirmation letter, is mailed separately, arriving 2–6 weeks later. The CP 575 is not the EIN. Do not wait for it before opening a bank account or activating Stripe.

EIN vs SSN vs ITIN: Comparison Table

Dimension EIN SSN ITIN
Full Name Employer Identification Number Social Security Number Individual Taxpayer Identification Number
What it identifies Business entity US individual Non-resident individual (personal tax)
Issued by IRS Social Security Administration (SSA) IRS (via Form W-7)
Who needs it US businesses, including LLCs and corporations US citizens and eligible work-authorized residents Non-residents with US tax filing obligations who are not eligible for an SSN
Primary purpose Business tax reporting and identification Personal identification, employment, taxes, and benefits Personal tax reporting only
Free to obtain Yes Yes Yes
Non-resident can obtain Yes No Yes
Required for LLC formation Usually required after formation No No
Used to open a US business bank account Commonly required Not required for the business itself Sometimes requested for owner verification
Used for personal tax returns No Yes Yes
Can be used for employment in the US No Yes No
Can build personal credit history No Yes Generally no
Format 9 digits (XX-XXXXXXX) 9 digits (XXX-XX-XXXX) 9 digits (9XX-XX-XXXX)
Validity Remains with the business Remains with the individual May expire if not used on tax returns for several years
Non-resident LLC owner typically needs Yes Not eligible Only if personal US tax obligations require it

Seven Reasons a Non-Resident US LLC Owner Must Have an EIN

1. US Business Bank Account (Mercury, Wise, Relay)

Mercury requires a US LLC and an EIN (Employer Identification Number  US business tax ID) to open a business account. No SSN or US address is needed from the founder. Mercury is a fintech, not a bank  deposits are FDIC-insured via partner banks Choice Financial Group and Column N.A.

Note: according to Mercury prohibited-countries list, founders domiciled in Nigeria, Pakistan, or the Philippines cannot apply. India and UAE founders may apply subject to standard KYC checks.

2. Stripe and Payment Processor Activation

Stripe requires a verified EIN to fully activate payment processing on a US LLC account. Stripe determines eligibility by where the business is registered, not where the founder lives.

This matters directly for founders from India, Nigeria, Pakistan, and the Philippines. Local Stripe access is restricted or unavailable in those countries. A US LLC registration unlocks full USD Stripe access regardless of the founder’s nationality.

Founders running e-commerce operations should also review whether they need an EIN specifically for their sales model  Do I Need an EIN for Dropshipping covers that question in detail.

3. IRS Tax and Information Return Filing

Every federal filing, Form 1065 (partnership return), Form 5472, and all payroll forms, requires your EIN. The IRS cannot process returns without it.

Zero US income does not eliminate your filing obligation. A foreign-owned LLC with no revenue may still owe an information return.

4. Form 5472: The Filing Non-Residents Cannot Skip

Form 5472 is an IRS information return for foreign-owned single-member US LLCs. It is filed with a pro-forma Form 1120 annually whenever there are reportable transactions,  including capital contributions and distributions.

The penalty for failure to file is $25,000 per form per year under IRC §6038A. An additional $25,000 applies for every 30-day period after 90 days from IRS notice. There is no maximum cap.

A multi-member LLC files Form 1065 instead, due March 15 (extension to September 15). That return also requires an EIN.

5–7. Contractors, Licenses, and Personal Privacy

Paying a contractor requires an EIN on IRS Form 1099-NEC. Most state business license applications ask for one. Using an EIN instead of a personal SSN or ITIN on business documents reduces personal identity exposure.

Before issuing a 1099-NEC, you collect a W-9 from each US contractor you pay, Form W-9 Explained in Detail covers how that works and when a W-8 applies instead for non-residents.

How Non-Residents Apply for an EIN Without an SSN

Why the IRS Online Application Is Closed to Non-Residents

The IRS online EIN application requires an SSN (Social Security Number) or ITIN (Individual Taxpayer Identification Number). Most non-residents have neither. The online portal blocks you entirely, not as a policy choice, but as a hard technical gate. Your three options are fax, phone, or mail.

Method 1: Fax Form SS-4 (Recommended)

Form SS-4 is the IRS application for an EIN. Understanding What is Form SS-4 before you fill it out reduces errors that delay processing. The IRS routes fax applications by where the entity is located  not where the owner lives:

– Entity with a principal business, office, or legal residence in a US state or DC: fax 855-641-6935 (EIN Operation, Cincinnati). A US LLC with a registered-agent address in its formation state generally qualifies for this line.
– Entity with no presence in any US state: fax 855-215-1627 from within the US, or 304-707-9471 from outside the US (EIN International Operation, Cincinnati).

Many non-resident filers use the international line; either way, include a return fax number on your SS-4. According to the IRS, the EIN arrives back by fax in approximately 4 business days. Without a return fax number, the IRS mails it  adding approximately 4 weeks.

Founders in Nigeria, Pakistan, and Bangladesh should fax rather than mail to avoid postal delays.

During IRS high-inventory periods, including the January–April tax season fax processing may extend beyond 4 business days.

Method 2: IRS International Phone Line

Call 267-941-1099, Monday–Friday, 6 a.m.–11 p.m. Eastern. According to the IRS, the EIN can be issued during the call. Line congestion and disconnects are common, fax is the more reliable path.

Method 3: Mail (Slowest)

Mail your completed Form SS-4 to the IRS. Processing takes approximately 4 weeks from receipt. Use this only if fax is unavailable.

Responsible Party Rule on Form SS-4

The ‘responsible party’ is the individual who controls the LLC and its funds. Since 2018, the IRS requires this to be a natural person, not another company or entity. For a single-member LLC, this is the sole member. If you have no SSN or ITIN, write ‘none’ in that field. The IRS processes fax and mail applications without one.

One important constraint: the IRS limits EIN issuance to one per responsible party per day, relevant if you are forming multiple LLCs simultaneously.

EIN Timeline by Application Method: What to Expect

Timeline Table

Method Typical Timeline Key Condition
Fax with return fax number ~4 business days IRS faxes back a cover sheet containing the EIN
Fax without return fax number ~4 weeks additional IRS sends the EIN notice by postal mail instead of fax
Phone (267-941-1099) EIN issued during the call, if successful Available Mon–Fri, 6 a.m.–11 p.m. Eastern Time; long hold times and disconnects are common
Mail ~4 weeks Slowest method; not recommended if postal service is unreliable
CP 575 EIN Confirmation Letter Typically 2–6 weeks after EIN issuance Issued for all EIN applications and delivered separately by mail

According to the IRS, faxing Form SS-4 with a return fax number returns the EIN in approximately 4 business days. Without a return fax number, the IRS mails it,  adding approximately 4 weeks.

Peak Season Warning: January–April

IRS processing slows during high-volume periods, particularly the January–April tax season. Fax processing may extend beyond 4 business days during these windows. Plan accordingly,  do not schedule bank account steps immediately after filing.

Founders in Nigeria, Pakistan, and Bangladesh should prioritize fax over mail. Postal delivery to these countries adds unpredictable weeks to an already slow method.

Operational Note: EIN vs CP 575 for Bank Accounts

The EIN is valid immediately upon IRS assignment. Mercury does not require the CP 575 — the number itself is sufficient.

Wise Business account is different. According to Wise documentation, Wise may require an official IRS EIN confirmation document  a CP 575, 147C, or IRS-stamped SS-4  during US LLC business verification. The EIN number alone may not pass compliance review. The CP 575 arrives 2–6 weeks after issuance. If it has not arrived, request a 147C from the IRS as an alternative.

One additional constraint: a new EIN takes up to approximately 2 weeks to enter IRS permanent records. Until then, it cannot be used to e-file returns or pass IRS TIN matching.

EIN and Payment Access by Country: India, Pakistan, Nigeria, UAE, Philippines

Stripe eligibility is determined by where your business is legally registered, not where you live. A US LLC is US-registered, making it Stripe-eligible regardless of founder nationality.

India: Stripe Invite-Only, Mercury Open

Stripe moved India-registered businesses to invite-only in May 2024. Self-serve signup is unavailable for India-local entities. A US LLC gives an India-based founder full USD Stripe access without an invitation. According to Mercury, Mercury does not list India as prohibited India-domiciled founders may apply subject to standard KYC.

Nigeria: Stripe Blocked Locally, Mercury Prohibited, EIN Unlocks Both via US LLC

Stripe does not directly support Nigerian-registered businesses; in-country access runs through Paystack, which Stripe owns. According to Mercury , Mercury prohibits Nigeria-domiciled founders. A US LLC with an EIN unlocks full USD Stripe via US registration.

According to wise, Wise Business account generally accepts Nigeria-resident owners of US LLCs with an EIN, subject to enhanced KYC  approval is not guaranteed and document scrutiny is strict.

UAE: Stripe Available, Mercury Open

According to stripe, Stripe is available in the UAE. According to  Mercury , Mercury does not list UAE as prohibited. An EIN is still required to open a Mercury account and activate Stripe on the US LLC.

Pakistan: Stripe Unavailable Locally, Mercury Prohibited the EIN Is the Gateway

Stripe is not available to Pakistan-registered businesses at all  a US LLC is the standard route to Stripe access for Pakistani founders. According to Mercury, Mercury prohibits Pakistan-domiciled founders. Wise Business accepts Pakistan-resident owners of US LLCs with an EIN, subject to enhanced KYC  approval is not guaranteed. The EIN is the document that makes both Stripe activation and Wise Business possible.

Philippines: Mercury Prohibited, Wise Is the Path

According to Mercury, Mercury prohibits Philippines-domiciled founders. Wise Business accepts Philippines-resident owners of US LLCs with an EIN, subject to standard KYC Wise has operated fully in the Philippines since May 2024. A US LLC with an EIN gives Philippine founders full USD Stripe access re gardless of local platform limitations.

One compliance note: per FinCEN’s interim final rule effective March 26, 2025, US-formed LLCs including those owned by non-residents  are exempt from BOI (Beneficial Ownership Information) reporting under the Corporate Transparency Act. The final rule is still pending; re-verify before making compliance decisions.

Lost EIN, CP 575, and How to Cancel an EIN Account

How to Retrieve a Lost EIN and Request a 147C Letter

An EIN (Employer Identification Number  your US business tax ID) never expires and is never reassigned. Losing your confirmation letter does not mean losing your EIN.

Check these sources first: prior tax returns, bank account opening documents, or any IRS correspondence. If unavailable, call the IRS Business & Specialty Tax Line at 800-829-4933, Monday–Friday, 7 a.m.–7 p.m. local time. Request a 147C EIN Verification Letter if you are unfamiliar with this document, What is a 147c Letter explains exactly what it is, when the IRS issues it, and how to use it for bank and payment-processor verification.

The CP 575 confirmation letter is issued once and never reissued. The 147C is the only IRS-accepted substitute.

Non-residents calling from India, Nigeria, Pakistan, the UAE, or the Philippines cannot treat 800-829-4933 as toll-free  international calls to US 800 numbers incur charges. Use VoIP software or have a US-based representative make the call.

Wise Business account may require an official IRS EIN confirmation document CP 575, 147C, or IRS-stamped SS-4 — not just the EIN number itself. Plan for this before applying.

Form SS-4

How to Close an EIN Business Account (Not Cancel the Number)

An EIN cannot be cancelled. It is permanently assigned to your entity.

To close the IRS business account, send a written request to IRS, Cincinnati OH 45999. Include the entity name, EIN, address, and reason for closing. The number remains permanently on record.

Closing the EIN account does not dissolve your LLC. State dissolution requires a separate filing with your state of formation.

Frequently Asked Questions

Can I get an EIN as a non-US resident with no SSN or ITIN?

Yes. Non-residents without an SSN or ITIN apply using Form SS-4 via fax or the IRS international phone line (267-941-1099, Monday–Friday, 6 a.m.–11 p.m. Eastern). The IRS online application requires an SSN or ITIN and is not an option for most non-residents.

Fax Form SS-4 with a return fax number (domestic line 855-641-6935 for a US-state LLC; international line 304-707-9471 from outside the US) and receive your EIN in approximately 4 business days.

Is an EIN free, or do formation services charge for it?

According to IRS Publication 1635, EINs are issued at no charge. Formation services charge only for preparing and submitting Form SS-4 on your behalf  not for the EIN itself.

How long does it take to get an EIN if I’m based in India?

India-based founders follow the same non-resident process: fax Form SS-4 with a return fax number (855-641-6935 for a US-state LLC, or 304-707-9471 via the international line from outside the US). According to the IRS, processing takes approximately 4 business days. Allow extra time during the January–April tax season  processing may extend beyond that estimate.

I’m in Nigeria. Mercury is blocked. Can I still open a US bank account with my EIN?

Yes. Mercury prohibits Nigeria-domiciled founders. Wise Business generally accepts Nigeria-resident owners of US LLCs with an EIN, subject to enhanced KYC. Have your CP 575 or 147C EIN Verification Letter ready the EIN number alone may not satisfy Wise’s compliance review. Approval is not guaranteed.

Does my US LLC need to file anything with the IRS even if I have no US income?

Yes. According to the IRS, a foreign-owned single-member US LLC must file Form 5472 plus a pro-forma Form 1120 annually if there are reportable transactions  including capital contributions and distributions. Zero US income does not eliminate this obligation. The penalty for failure to file is $25,000 per form per year, with no maximum cap.

Can I open a Stripe account with my US LLC if I live in the UAE?

Yes. According to stripe, eligibility is determined by where the business is legally registered, not where the founder lives. A US LLC is US-registered and therefore Stripe-eligible. Stripe requires a verified EIN to fully activate payment processing. Mercury does not list UAE as a prohibited country, so UAE founders may also apply for Mercury.

What is the difference between an EIN, SSN, and ITIN?

An EIN (Employer Identification Number ) identifies a business entity  issued free by the IRS, available to any LLC owner. An SSN (Social Security Number) identifies US citizens and authorized residents for personal taxes  not available to non-residents.

An ITIN (Individual Taxpayer Identification Number) identifies a non-resident individual for personal US tax filing, applied for via Form W-7. A non-resident forming a US LLC needs an EIN for the business; an Individual Taxpayer Identification Number may be needed later for personal US tax filings.

I lost my CP 575 letter. Is my EIN still valid?

Yes. According to the IRS, an EIN never expires and is never reassigned. The CP 575 is a one-time confirmation letter the IRS does not reissue it. Request a 147C EIN Verification Letter by calling the IRS Business & Specialty Tax Line at 800-829-4933. Note: Wise and some banks require the CP 575, 147C, or IRS-stamped SS-4  not just the EIN number.

Do I need to file a BOI report for my US LLC as a non-resident owner?

No. Per FinCEN’s interim final rule effective March 26, 2025, US-formed LLCs including those owned by non-residents  are exempt from BOI (Beneficial Ownership Information) reporting. The requirement currently applies only to foreign-law entities registering to do business in a US state. The final rule is still pending  re-verify before making compliance decisions.

How many EINs can I get if I’m forming multiple US LLCs?

According to the IRS, EIN issuance is limited to one per responsible party per day across all application methods. Each LLC requires its own Employer Identification Number  . If you are the sole member of multiple LLCs, stagger applications  one per business day.

Conclusion

An EIN is not optional for a non-resident-owned US LLC. Without it, US bank accounts, Stripe activation, and IRS information filings are all blocked.

Non-residents apply via Form SS-4  by fax (855-641-6935 domestic line for a US-state LLC, or 304-707-9471 international line from outside the US), or by phone at 267-941-1099 (Monday–Friday, 6 a.m.–11 p.m. Eastern).

According to the IRS, fax applications with a return fax number receive the EIN in approximately 4 business days. Allow extra time during the January–April tax season, when IRS processing slows.

Bizstartz Pro ($299 + state fees) includes Form SS-4 preparation and IRS submission. If your LLC is already formed and you need only the EIN, standalone EIN service is available  contact Bizstartz directly.

Haven’t formed your LLC yet? That step comes first.